Terms & Conditions

We have recently updated our Terms and Conditions. Please read and accept these updated terms and conditions in order to access the iMarket Coaching community website.

Terms Last updated: February 25, 2019.

Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the imarketcoaching.com website (the "Service") operated by iMarket, llc ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Accounts



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You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

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The Service and its original content, features, and functionality are and will remain the exclusive property of iMarket, and its licensors.

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iMarket, llc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that iMarket, llc shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

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We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

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Changes



We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us



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Current Version: 1.0

Previous Version Date: September 28, 2021

Privacy Policy

We recently updated our Privacy Policy. Please read and accept this updated privacy policy in order to access the iMarket Coaching community website.

Privacy Policy Last updated: February 25, 2019.

iMarket, llc ("us", "we", or "our") operates the imarketcoaching.com website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at imarketcoaching.com.

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While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information ("Personal Information") may include, but is not limited to:
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Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

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Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

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We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy


We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us


If you have any questions about this Privacy Policy, please contact us.

Current Version: 1.0

Previous Version Date: May 22, 2018

Easy Ideas To Make Student Loans Even Better

If you have any student loans, it’s important to pay attention to what the pay back grace period is. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. This is important for avoiding penalties that may result.

Are you intimidated by the high school prices of tuition and books at colleges and universities?You may now wonder what people do so they can afford school even when economic times are tough. Many people use student loans to cover the cost of getting a degree.It is even possible for you to get a loan, and the article below provides advice regarding applying for a loan.

Make sure you stay in close contact with your lenders. Make sure you let them know if your contact information changes. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. You should take all actions immediately. You may end up spending more money otherwise.

TIP! Stay in contact with your lender. Update them anytime you change your email, name, address, or phone number, which is common in college.

Don’t forgo private financing to help pay for college. There is quite a demand for this as public student loans even if they are widely available. Explore the options within your community.

Don’t fret when extenuating circumstances prevent you from making a payment. Most lenders can work with you if you lose your job. You should know that it can boost your interest rates, though.

Student Loans

Consider private funding for your college education. There is quite a demand for public student loans even if they are widely available. These private loans are not tapped into as much, which means they contain smaller increments of money due to lack of awareness and size. Ask locally to see if such loans are available.

TIP! To make paying for college easier, don’t forget to look at private funding. Although there are a variety of public student loans, it can be difficult to obtain them due to competition and demand.

Pay your student loans using two steps. Begin by ensuring you can pay the minimum payments on these student loans. Second, if you have any extra money, not the one with the highest balance. This will lower how much money you spend over a period of time.

Make sure that you specify a payment option that applies to your situation. Lots of student loans offer ten-year repayment plans. If you don’t think that is feasible, you should check for alternatives. You might be able to extend the payments, but the interest could increase. You can pay a percentage once the money flows in. The balances on some student loans have an expiration date at 25 years.

TIP! Which payment option is your best bet? Lots of student loans offer ten-year repayment plans. If this doesn’t work for you, you may have other options.

Focus on the high interest rates. If you get your payments made on the loans that have the lowest or the highest, you may pay more interest that you have to.

Choose payment options that best serve you. Many of these loans have 10-year repayment plans. If this isn’t right for you, you may be eligible for different options. Perhaps you can stretch it out over 15 years instead. Keep in mind, though, that you will pay more interest as a result. You may negotiate to pay just a set percentage of the money you begin to earn. Some student loan balances are forgiven after twenty five years have passed.

TIP! Select the payment choice that is best for you. The average time span for repayment is approximately one decade.

Stafford loans offer a six month grace period. Other kinds of student loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned. This can put you behind by a year.

Largest Loans

The Stafford and Perkins loans are the best options in federal loans. They tend to be affordable and entail the least risk. They are a great deal because you will get the government to pay your interest during your education. The Perkins loan carries an interest rate of 5%. On subsidized Stafford loans it is fixed at a rate no greater than 6.8%.

TIP! Two superior Federal loans available are the Perkins loan and the Stafford loan. This is because they come with an affordable cost and are considered to be two of the safest loans.

Pay off the loan with higher interest rates first. Focus on the largest loans up front. After you’ve paid your largest loan off in full, you can transfer your payments to the second largest one. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you can eventually eliminate all your student debt.

PLUS loans are available if you are a graduate student or the parent of one. The interest rate won’t be any larger than 8.5%. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. It might be the best option for you.

TIP! Taking out a PLUS loan is something that a graduate student can apply for. They have an interest rate that is not more than 8.

Many people will apply for their student loans and sign paperwork without really understanding what they are getting into. This is an easy way that lenders use to get more than they are supposed to.

Avoid depending on student loans completely for school. Look into getting a scholarship or grant and explore other ways you can save money. There are a number of good scholarship matching websites that can help you locate just the right grants and scholarships to suit your needs. Be sure you start to search soon so you’re able to qualify for the best deals.

TIP! Don’t finance your whole college education by using student loans. Make sure you save money for your education and research grants and scholarships to help.

Be sure to fill out your student loan applications neatly and properly to avoid any delays in processing. Incorrect or incomplete information can result in having to delay your education.

Make sure the lender always has your updated contact information. This will keep you informed about the loan and aware of any stipulations to your payment plan. Your lender should also provide some valuable repayments tips to you.

TIP! Always stay connected to your lenders. You can learn about changes or issues that way.

If you try to get private loans with poor credit, you may need a cosigner. It is vital you keep current with all your payments in a timely manner. If not, the person who co-signed is equally responsible for your debt.

Try to get a part-time job to keep an income stream going while in school. This can help you offset your education expenses besides a loan. You also get to earn some extra money.

Certain Lenders

Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. They’ll want to work on the problem with you to resolve it. You might be able to lower your payments or take a few months off.

TIP! Let your lender know immediately if you aren’t going to be able to make your payment. You will find they are likely willing to work together with you so you can stay current.

Your school could have an ulterior motive for recommending certain lenders. There are institutions that actually allow certain lenders to utilize the use of their name by specific lenders. This may not the best deal. The school might get an incentive if you use a commission for your loan. Make sure you grasp the nuances of any loan prior to accepting it.

Even once you graduate, keep communication going with your lenders. Contact them with personal information changes like phone number, email, address, and name. That way, you can be contacted as soon as possible if the lender is making any changes to your account. You also need to make them aware of when you withdraw from college, transfer between schools or graduate.

TIP! Keep in contact with lenders while you are in school and afterwards. Make sure they are updated in regard to your contact info.

Take extra care when it comes to taking out private loans. It can prove difficult to find out what the terms. You may only find out after you are already stuck. Get all the information you can.

To keep student loan debt to a minimum, enroll in lots of AP courses while still in high school. You take these in high school, and if you do well on a test, you will get credit for college. This reduces the number of hours you will have to take when you get to your chosen university.

Be sure to fill out your applications This will impact the types of student loans that is available to you. Ask for help if you are uncertain.

If you take Advanced Placement courses while in high school, you can save some money. You will take a test at the end of the course to measure your knowledge. If the score is high enough, the end result will be a college credit.

TIP! To help lower the costs of your student loans, it is a great idea that you take plenty of Advanced Placement classes while in high school. Every AP class concludes with an exam that tests your level of knowledge on the subject at a college level.

Get a meal plan on campus; this will save you money in the most of your student loans.This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

If a financial aid package doesn’t cover the whole cost of going to your chosen college, you may have to apply for a private loan. However, don’t jump at the first one offered to you. Research the best interest rates and loan terms before you decide to sign anything.

TIP! If you’ve got a financial aid package which doesn’t cover the entire costs of college, you might have to obtain a private loan. Do not agree to the first loan you are offered.

Understand what options you for repayment. If you anticipate financial constraints immediately following graduation, think about enrolling in graduated payments. This makes it so that your early payments aren’t huge and gradually increase over time when you hopefully are earning more money.

Join Tuition.io to help manage any student loan debt. Use this website to keep track of your student loans balances and payments. It will also allow you to keep track of the lenders you’re using so your records are in good order. It also tells you when your loans change.

TIP! You can get help managing your student loan debt by joining Tuition.io.

Try finding a job you can do on campus to help augment income you receive from student loan. This will assist your expenses somewhat and also give you must borrow.

If you cannot afford to make your student loan payments, talk with your lender immediately. Most lenders are more than willing to work with borrowers to ensure continued payment. Contact your lender and ask them to forgive any penalties and late fees if you haven’t missed any previous payments.

TIP! Let your lender know as soon as you can if you will be late or unable to get a payment in. The majority of lenders are willing to work out something with borrowers in order to make sure that payments continue.

Make certain you fully understand repayment terms. It is vital that you are aware of your choices before agreeing to the loan terms. You should find out this before signing anything.

Adjusting your college choice can be very beneficial if it makes financial sense. The result is same. You will have your degree, but with reduced debt and with less stress while you are in college. Sometimes starting at a community college is best until you get your finances more in order.

TIP! While you may have been dreaming of going to a certain school for some time, it can sometimes be a better choice to step back and adjust your path to a school that costs less. You will get the same degree, not as much debt and less stress when you are in college.

You will find they are much more likely to have the financial institution work to help you if you show good faith. You may even be able to lower your payments or take a few months off.

If you do not immediately address a defaulted student loan, you will end up paying more in the end. If you ignore bill collectors, you may have issues negotiating with them. When you work with them, the outcome will be positive.

TIP! The longer you wait to address your defaulted student loans, the more costly the end results. If you simply hope the problem will go away, you will have trouble reaching a settlement.

Look at all the different options you have open to you as it pertains to making payments on your loans. Pay on time to keep your credit doesn’t suffer.If you have several student loans, you might consider consolidation options.

The more money you can save on tuition, the fewer student loans you will need. Think about going to a cheaper community college first. This can save you literally five figures per year. Before choosing this option, check to make sure your credits can be transferred.

TIP! To save money on a tuition will mean that you have taken some of the debt away from student loans. Try going to a community college for a year unless you are going to a prestigious school.

Now that you have read the article above, you should have a better idea on how to get a student loan. Keep this information in mind while filling out forms for your student loans. Do not allow the exorbitant tuition costs deter you from obtaining a quality higher education.

During the first year after graduation, it’s easy to feel overwhelmed by new opportunities and responsibilities. As a result, you may let some things slip past you unnoticed. Be aware of when you need to make payments and know what the grace periods are for your loans. These tend to sneak up on you, especially when you are juggling a career and a family.

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